Please click on the headings listed below for the particular service charge schedule. The bookmark will guide you to the particular heading for your easy access.

For any querries or concerns, please contact us through any of our bank branches or sending us feedback through this website itself. Feeback option is available on the top right corner of the page.

Basic Banking Services

  • ATM Card
  • Credit Card
  • USD Prepaid Travel Card
  • SMS (Mobile) Banking
  • Internet Banking (iBank) Services
  • Email Alerts
  • Mobile Money
  • Mobile Khata

Please visit the download section or click here for detailed information.

Thank you.

  • HBL/BOK Fund Transfer Services
  • Share Registrar Services
  • Courier Recovery
  • Postage Recovery
  • Market Maker
  • Home Banking Service
  • Safe Deposit Locker
  • Trade Operations
  • Loan Administration
Description Charges
Cheque book destruction fee NPR 350.00
Document processing fee (account opening documents processed but account dropped from system due to several reasons agreed by customer) NPR 350.00 per account (waiver at discretion of BM)
Stop payment of cheque NPR 500.00
Follow up fee NPR 250.00 per annum
Account Closure Within Six months NPR 500.00
ABBS Charge above 200K NPR 250.00 Per Deposit /Withdrawal *
Standing Instruction (e.g. SI instruction by customer) NPR 350.00 per instruction (one time)
Failure of Standing Instruction (If SI is placed at the request of the customer). NPR 250.00 per failure
Lien marked in favor of third party(when requested by customer) NPR 500.00
Issuance of Balance Certificate NPR 500.00 For Institutional Account – Free once a year for Balance Certificate issued during fiscal year end.
Certification of Account Operation to MEX clients NPR 250.00 per certificate
Statement Fee after Six months NPR 250.00 Per months
Request to issue Customer Advice
After 1year
After 2 Years
NPR 500.00 per advice
NPR 1000.00 per advice
Reversal of entries at the request of customer for telephone bill etc. NPR 250.00
Cash withdrawal against Cash withdrawal slip. NPR 200.00 (waiver at BMs discretion)
Cash management fee - Cash Deposit at Branches incurring costs in CIT Cash deposit over NPR 150K – Charge 0.05% or minimum NPR 200/-
Cheque Certified “Good For Payment” NPR 500.00 per cheque
Cancellation of Cheque certified “Good For Payment” NPR 250.00
Issuance of Advance Payment Certificate NPR 250.00
NPR 500.00 duplicate
Issuance of NRB cheque at the request of customer NPR 500.00
Cancellation of NRB cheque issued (at the request of customer) NPR 250.00
Issuance of Draft 0.1% or minimum NPR 350.00 for INR draft
  • Additional USD5.00 (other bank charge) for USD DD issued through SCB
  • Additional NPR300 (Communication charge for DD amounting INR 100K and above)
Cancellation of Draft NPR 500.00 plus other bank’s charge and SWIFT Charge of NPR 1000.00.
Issuance of Managers Cheque 0.1% or minimum NPR 300.00
Cancellation of Manager's Cheque NPR 300.00
Wire Transfer (abroad) 0.1% or minimum NPR 300.00 and SWIFT charge of NPR 1,000.00
Wire Transfer - India 0.1% or minimum NPR 300.00 and SWIFT charge NPR 1,000.00 plus Other bank charges ( Actual basis) in case of other bank charges “OUR”
Wire transfer - India through National Electronic Fund Transfer (NEFT) 0.1% or minimum NPR 300.00 and SWIFT charge NPR 1,000.00 plus NPR 500.00 flat (NEFT Charge)
Wire Transfer ( Swift) locally through NRB NPR 500.00 upto NPR 5 mio.plus SWIFT charge Above NPR5 mio. - NPR 1000.00 plus SWIFT charge (SWIFT charge- NPR 1000.00)
Refund of inward wire transfer - FCY
Refund of inward wire transfer – INR
USD 25.00 plus NPR 1000.00 SWIFT charge.
INR 500.00 plus NPR 1000.00 SWIFT charge.
Other Bank Charges (Inward remittance received in USD) USD 5.00
Other Bank Charges ‘OUR’ (Outward remittance) Sent in GBP – GBP 15.00
Sent in EURO – EUR 20.00
Sent in JPY – JPY 5,000.00
Sent in USD – USD 15.00
Local Remittance via Principle Agent As per their current charges ( Agents)
Cheque Purchase (FCY) (Subject to availability of credit limit)
  • 0.125% or Minimum NPR 500.00 for cheques those are cleared through local clearing.
  • 0.5% or Minimum USD 10/- or Eqv. for FCY cheques those cannot be cleared through local clearing.
  • Cheque Purchase returned handling Fee- NPR 500.00
Overdue interest rate of 15% p.a. for cheques that are not realized within 15 days.
Cheque Purchase (INR) (Subject to availability of credit limit)
  • 0.5% or minimum NPR 500.00plus postage charge
  • Cheque Purchase returned handling fee NPR 500.00
Overdue interest rate of 15% p.a. for cheques that are not realized within 15 days.
Cheque Purchase (LCY) (Subject to availability of credit limit)
  • 0.125% or Minimum NPR 500.00for cheques those are cleared through local clearing.
  • Plus postage charge for cheques that cannot be cleared through local clearing.
  • Cheque Purchase returned handling fee NPR 500.00
Overdue interest rate of 15% p.a. for cheques that are not realized through local clearing.
Cheque sent on collection ( INR)
Cheque sent on collection ( FCY)
  • 0.1% on face value or minimum NPR 300.00 plus postage charge.
  • USD 10/- or eqv.
Cheque sent on collection returned unpaid NPR 400.00 plus postage
Cheque returned due to insufficient funds (via ECC or over the counter) NPR 500.00
Express Clearing Outward -NPR 200.00 (including NCHL charges) Inward (returned through ECC for insufficient funds) – NPR 500.00
ECC Outward presentment fee
  • NPR 10.00 for the cheques value NPR 200K
  • NPR 30.00 for cheques above NPR 200K
  • NPR 10.00 for the cheques value Eqv.to NPR 200K
  • NPR 30.00 for all FCY cheques Eqv to NPR above 200K
ECC charges - Outward Cheques presented through high-value session NPR 200.00 per cheque
ECC IPS Charges – NPR * Upto 500– NPR 5.00
>500-5,000 – NPR 15.00
>5K -50K – NPR 25.00
>50K – NPR 50.00
* No charges for Dividend and IPO refund payment for transactions amount up to NPR 100.00

Description Charges
VISA Card one-time Fee NPR 1000
VISA Card Installment Fee NPR 250 (Per Annum)
Destruction of uncollected card NPR 250.00
Urgent Card request ( Instant Card) NPR 500.00
Replacement of lost / damaged card/Renewal One Time Fee: NPR 1000
Installment: NPR 250 (Per Annum)
Replacement of PIN NPR 150.00
Destruction of Uncollected Re-pin NPR 100.00
Cash withdrawal in Visa Network in India ( Some banks may charge ATM Access Fees differently up to INR 300 for VISA cards used on their ATM ) NPR 250.00
Cash withdrawal in Visa Network in Nepal NPR 50.00
Balance enquiry in VISA network in India/Nepal NPR 50.00
Linking new account to Debit Card NPR 100.00
E-Commerce enrollment fee NPR 100.00
E-Commerce Annual Fee NPR 100.00
Card un-block fee NPR 250.00
INR Txn. Limit Enhancement Fee NPR 1000.00
Express Money Card less Cash
Cash withdrawal upto NPR 25K NPR 25.00
Cash withdrawal above NPR 25K NPR 50.00
Foreign VISA & Mastercard at Laxmi Bank ATM (ATM Access Fees) NPR 500.00
Description Charges
Joining fee (One-time) NPR 500 per card (one time)
Instalment fee NPR 1000 per card per year
Supplementary card fee NPR 1000 per card per year
Card Reissuance / Replacement fee NPR 1000 per card
Temporary limit enhancement fee NPR 500 per case
Permanent limit enhancement fee NPR 750 per case
On demand renewal NPR 500 per case
E-Commerce 3D Secure Registration NPR 100
E-Commerce 3D Secure Annual Fee ( 3D Secure Service) NPR 100
E-Commerce 3D Secure Transaction Fee ( 3D Secure Service) NPR 50 OR 0.5% per transaction
Negative listing fee NPR 300 per case
Cash advance fee On us transaction NPR 100+2%
Cash advance fee (Off us transaction) NPR 150 + 2%
Interest 2.25 % per month
Late payment fee NPR 300 or 0.2 % per month whichever is higher
Over Limit fee NPR 500 per month
PIN Re-generation Fee NPR 150
Description Charges
Issuance of USD Prepaid Travel Card against Nepali Rupee NPR 750.00
Issuance of USD Prepaid Travel Card against FCY account USD 5.00
USD Card replacement/Renewal Fee NPR 1000.00
Reload Fee NPR 500.00
Transaction Fee
Cash Withdrawal-(Some banks may charge ATM Access Fees differently for VISA cards used on their ATM) USD 4.00
Balance Inquiry USD 1.00
USD Card Re-PIN NPR 250.00

Description Charges
Enrollment Nil
SMS Alert Charges
Non Individual (per mobile) One time joining fee – NPR 500.00 & NPR 100.00 per month
Individual customer Annual fee of NPR 250.00
SMS Alert for card related transactions((Non-Package Subscribers) NPR 100.00

Description Charges
Subscription of Internet Banking(iBank) NPR 1000.00 per annum for non Individual
NPR 250.00 per annum for individual users
Re-PIN NPR 100.00
Destruction of Re-PIN NPR 100.00

Description Charges
Email Alerts joining fee
  • NPR 250.00 per annum for non individual
  • NPR 100.00 per annum for individual
  • Annual fee of NPR 100.00 per annum for subsequent year for both individual and non individual
  • Nil for USD travelers card holder

Description Charges
Mobile Money subscription fee NPR 250.00
Annual renewal fee NPR 250.00
Subscription modification fee NPR 100.00
Transfer of funds in other banks accounts
( Fund transfer between Laxmi Bank - NIL)
For NPR 100 to 1000 –NPR 10.00
For NPR 1001 to 10,000 – NPR 20.00
For NPR 10001 to 20,000 –NPR 30.00
For NPR 20001 to 25000- NPR 40.00
Pay bills
  • Mobile phone
  • Landline
  • ADSL internet
  • Credit Card
  • Pay at any merchant location within Mobile Money Merchant
Nil
Cash payout through Mobile Money NPR 120 per transaction flat

Description Charges
Mobile Khata Subscription Fee Nil
Transaction between self Mobile Khata and Self Bank Account Nil
Pay bills, top-up mobiles or pay at merchant locations Nil
Inquire current balance or last three transaction details Nil
Deposit or withdraw funds from Business Correspondents where the account is domiciled. Nil
Transfer funds between Mobile Khata accounts or other bank accounts.
  • For NPR 1.00 to 5000.00–NPR 10.00
  • For NPR 5001.00 to 10,000.00 – NPR 15.00
  • For NPR 10,001.00 to 25,000.00 – NPR 25.00
  • For NPR 25,001.00 to 50000.00- NPR 50
Send money to unregistered mobile number
  • For NPR 1.00 to 5000.00 – NPR 10.00
  • For NPR 5,001.00 to 10,000.00 – NPR 15.00
  • For NPR 10,001.00 to 25,000.00 –NPR 25.00
  • For NPR 25,001.00 to 50,000.00- NPR 50
Deposit or withdraw funds from Business Correspondents other than where the account is registered.
  • For NPR 1.00 to 5000.00 –NPR 10.00
  • For NPR 5001.00 to 10,000.00 – NPR 15.00
  • For NPR 10,001.00 to 25,000.00 –NPR 25.00
  • For NPR 25001.00 to 50000.00- NPR 50
Linking Bank Account to Mobile Khata NPR 250.00
Withdrawal from Laxmi Bank ATM for non-Laxmi Bank Cardholders NPR 20.00

Description Charges
Europe and USA NPR 2,500.00
Other Countries NPR 2,000.00
India NPR 600.00
Nepal NPR 250.00

Description Charges
Management of Government Bonds (as advised by the Central Bank)
  • NPR 100,000.00 - 0.5%
  • NPR 100,100.00 to 500,000.00 - 0.4%
  • NPR 500,100.00 to 1,000,000.00 - 0.3%
  • NPR 1,000,100 to 5,000,000.00 - 0.2%
  • Above NPR 5,000,100.00 - 0.1%

Description Charges
For cash transactions NPR 500.00 per visit
For non cash transactions (not applicable for Private Bank customers) NPR 250.00 per visit

Locker Type Locker Size
(H”XW”XD”)
Deposit Annual Rent
S.D.L. Type 1A – AA 4.92X6.89X19.37 NPR 10,000 NPR 2,500
S.D.L. Type 2B – BB 6.26X8.27X19.37 NPR 10,000 NPR 3,000
S.D.L. Type L2/10-4D1L2 15.16X20.87X19.37 NPR 10,000 NPR 7,500
S.D.L. Type 2 - BB 6.26X8.27X19.37 NPR 10,000 NPR 3,000
S.D.L. Type 2 – 2BE 6.26X16.69X19.37 NPR 10,000 NPR 4,000
S.D.L. Type 2 – 4BH 12.63X16.69X19.37 NPR 10,000 NPR 6,500
S.D.L. Type 2 – 2B1H1 12.64X8.27X19.37 NPR 10,000 NPR 5,500
S.D.L. Type 1F/21 – 4AF 10.94X13.86X19.37 NPR 10,000 NPR 5,500
S.D.L. Type 3D/40 - DD 7.44X10.35X19.37 NPR 10,000 NPR 4,500
Locker Surrender Fee NPR 1,500
Duplicate locker key NPR 4,000

Description Charges
Letter of Credit –Import
Issuance of Letter of Credit
(Irrevocable/revocable/back to back/transferable)
0.15% per quarter or part credit thereof, min NPR 2,000.00
Revolving -in the terms of value 0.15% per quarter or part credit thereof, min NPR 2,000.00 drawing up to face value will be free of charges, thereafter 0.125% will be levied on each reinstatement of value.
Revolving- in terms of validity 0.15% per quarter or part credit thereof, min NPR 2,000.00
Cancellations of L/C NPR 2,000.00
Communication NPR 2,500.00
Amendment
For time extension of extension of expiry and / or increase in value 0.15% per quarter or part thereof, min NPR 2,000.00
Time extension within the same quarter NPR 1,000.00
Amendment other than time extension and increase in value. NPR 1,000.00
BCI report sharing charge Minimum NPR 500.00
Bills – Import
Import Bill under L/C (Up to 15 days) 15% p.a. (365 days basis)
Import Bill Payment NPR 1,000.00
Direct Reimbursement 15% p.a. (360 days basis) if booked under import bill or as agreed with the customer for import loan facility.
Collection Bill received ( Import bills without L/C) 0.15% on bill value or minimum NPR 2,000.00
Acceptance (usance L/C ) Commission 0.1% per month or minimum NPR 1,000.00
Communication Charge NPR 1,200.00
Discrepancy Fee
  • USD 75.00 for L/C issued in USD
  • EUR 75.00 for L/C issued in EUR
  • GBP 75.00 for L/C issued in GBP
  • JPY 7,000.00 for L/C issued in JPY
  • INR 3,000.00 for L/C issued in INR
  • NPR 3,000.00 for L/C issued in NPR
  • Equivalent USD 50.00 for L/C for all other currency
Letter of Credit – Export
  • Advising L/C
  • Advising L/C amendment
  • NPR 2,500.00
  • NPR 2,500.00
Note: The fee may be refunded to customer if bill is negotiated or sent on collection basis through us.
Confirmation Adding (Subject to prior arrangement) 0.25% per quarter or part thereof, minimum NPR 2,000.00
Transfer of Credit
For a simple transfer of whole documentary credit NRP 3,000.00
For Partial transfer 0.125% of transferred value or minimum NPR 1,500.00
Bills - Export
Collection Bill sent 0.125% on bill value of minimum NPR 1,500.00
  • Export Bill Purchased – Sight ( covering 15 days) Clean
  • Discrepant
  • 0.5% on bill value or minimum NPR 2000.00
  • 0.75% on bill value or minimum NPR 2500.00
  • Export Bill –Usance Clean
  • Discrepant
  • 0.5%. Beyond 15 days 15% p.a.
  • 0.75%. Beyond 15 days 16% p.a
Cash Against Document (CAD) – NRB circular no Ipra. Paripatra No.259 As agreed with the customer
Communication fee ( follow-up) NPR 1,200.00
Letter of Guarantee
Issuance Fee Bid Bond 0.375% per quarter & part thereof or minimum NPR 1,500.00
Issuance Fee – Performance bond 0.4% per quarter & part thereof or minimum NPR 1,500.00
Financial and Advance Payment Guarantee 0.5% per quarter & part thereof or minimum NPR 1,500.00
Amendment
Increase in value & Time extension
Same as issuance charge
Other amendment i.e. extension within same quarter or clauses of guarantee text. NPR 1,500.00
Issuance of counter guarantee to other bank Our charge plus correspondent bank’s charge and SWIFT charge of NPR 2,500.00.
Amendment of Counter Guarantee within the quarter for extension, guarantee text/clause change
  • USD 100.00 for GTEE in USD
  • EUR 100.00 for GTEE in EUR
  • GBP 100.00 for GTEE in GBP
  • INR 3000.00 for GTEE in INR

Description Charges
Credit Check Fee As per actual CIB charges
(currently NPR 550.00 with customer’s details / NPR 250.00 without details)
Issuance of Letter of Credit Line Up to NPR 50M – NPR 250.00
More than NPR 50M to NPR 100M –NPR 500.00
More than NPR 100M – NPR 1,000.00
Loan Administration Fee Working Capital Loans
  • Overdraft - 0.25%
  • Demand Loan - 0.25%
  • Supply Finance - 0.50%
  • Sana Byawasai Karaja - 0.75%
Trade Finance
  • Trust Receipt /Import Loan - 0.25%
  • Demand Loan against Local LC - 0.25%
  • Export Loan - 0.25%
  • Domestic bills LCY - 0.25%
  • Export Bill - 0.25%
Terms Loans
  • Term Loan - 0.50%
  • Commercial Vehicle - 1%
  • Sana Byawasai Karaja - 1%
  • Laghu Udhyami Karja - 1%
Consumption Loans
  • Auto Loan - 0.75%
  • Home Loan - 0.75%
  • Home Equity Loan - 1%
  • Personal Loan - 1%
  • 2 Wheeler Loan - 1%
  • Educational Loan - 1%
  • Loan Against Gold - 1%**
Deprived Sector & Micro Loans
  • Wholesale Loan - 0.25%
  • Low Cost Housing - 0.25%
  • Live Stock Loan - 1%
  • Tractor/eRickshaw Loan - 1%
  • Other MSME Loan - 1%
  • Laghu Karja - 1%
  • Krishi Karja - 1%
Deprived Sector & Micro Loans
  • Loan Against Shares - 0.75%
  • Loan Against FD/NSB - 0.25%
Others Loans as per Product paper and approved terms.
Loan Administration Fee – Renewal SBK /HELOC Up to NPR 999K - NPR 10K
From NPR 1,000K to NPR 5.000K: Minimum NPR 15K - Maximum NPR 20K
Above NPR 5,000K: Minimum NPR 20K - Maximum NPR 50K
Loan Renewal Fee – Corporate /Mid-Market NPR 25K to 50K
Commitment fee As per approval terms
**Loan Against Gold up to NPR 0.5M 1% of fair market value (FMV) calculated on actual number of days the gold is pledged with the Bank.
Minimum 3 months fee will be recovered up front. Balance (if any) to be recovered at the time of security release.
**Loan Against Gold above NPR 0.5M 1% of FMV calculated on actual number of days the gold is pledged with the Bank.
Minimum 3 months fee will be recovered up front. Balance (if any) to be recovered at the time of security release.
NPR 500.00 as loan documentation fee.

Description Charges
Documents retrieved within 1 year NPR 500.00
Documents retrieved after 1 year NPR 1,000.00
Any other documents retrieved as per customer’s request
(e.g. citizenship, license, passport, bills etc.)
Within 1 year : NPR 500
Before 1 year : NPR 1,000.00

Description Charges
Staff - All fees & charges Nil. Subject to the following
  • Actual expense i.e. SWIFT (NPR 250.00)/ Postage etc will be levied
  • Annual rental fee for safe deposit locker will be levied as per SSC.
  • Credit Card Issuance NPR 500
  • Credit Card Annual NPR 500
  • SMS alert 50% of SSC
  • Actual cost for third party fees/services
Immediate family members – All fees & charges
  • 50% of SSC
  • Actual cost for third party fees/services.

Terms and Conditions

  • By using or subscribing services the customer also allows the bank to debit applicable charges and commission from the customer’s account.
  • Charges/commissions are subject to change upon bank’s discretion and may not be notified to customers in all cases.
  • Waivers or discounts on the commission/ charges if applicable will be agreed between the bank and the customer before using the service.
  • The charges/commission depending on the pricing structure may be one time or recurring.
  • If charges/commissions are missed for whatever reason, the customer allows the bank to process the charges in bulk.
  • For cancellation, the customer has to follow the process as ratified by the bank. Irrespective of whether the service is used or not as long as the customer still holds a subscription the bank may charge the customer.
  • If you have any doubts or confusion regarding the charges, customers are requested to contact our nearest branch.
  • The above charges /fees will come into effect from 21st December 2017

*The branches charges related ABBS should be defined separately.